What Is a Full Charge Bookkeeper?

Mastering the Role of a Full-Charge Bookkeeper: Your Ultimate Guide to Full Charge Bookkeeping Success

What is a full charge bookkeeper? This guide is here to help you. Full-charge bookkeepers are key to keeping financial records accurate and complete. They handle everything from simple tasks to complex ones, making them crucial in many industries.

They manage bank reconciliations, payroll, and financial statements. Their work is vital for a business’s financial health.

Key Takeaways

  • Full-charge bookkeepers are vital for maintaining accurate financial records.
  • Educational programs are essential for acquiring necessary accounting skills.
  • Key duties include handling reconciliations, payroll, and preparing financial statements.
  • Customer service, detail-oriented, and communication skills are critical for this role.
  • Using a professional and concise resume format can enhance your job prospects.

What is a Full-Charge Bookkeeper?

A full-charge bookkeeper is a key person who takes care of all the bookkeeping tasks. They handle the main financial data for the company. They do more than a regular bookkeeper, managing complex financial tasks and leading other financial staff. They make sure all financial transactions are correct.

what is a full charge bookkeeper

The Role of a Full-Charge Bookkeeper

A full-charge bookkeeper does all the accounting work on their own. They manage accounts payable and receivable, process payroll, and prepare financial statements. They also make sure the company follows tax laws. They know a lot about accounting and are often the main contact for financial issues.

Differences Between a Regular Bookkeeper and a Full-Charge Bookkeeper

Regular bookkeepers and full-charge bookkeepers have different jobs. Regular bookkeepers do basic tasks like recording transactions and keeping track of accounts. They work under an accountant or financial manager.

On the other hand, full-charge bookkeepers manage all the company’s finances by themselves. They lead the accounting team and handle complex tasks.

full charge bookkeeper

Full Charge Bookkeeper Job Description

Full-charge bookkeepers have a lot of responsibilities. They manage all the bookkeeping for their employers. This includes recording financial transactions, reconciling accounts, and preparing financial statements. They also process payroll and submit tax returns.

Because of their big job, full-charge bookkeepers need to know a lot about accounting software and principles. They must have great attention to detail and be very organized.

How to Become a Full-Charge Bookkeeper

To become a Full-Charge Bookkeeper, you need education, skills, and certifications. This guide will show you what you need for this rewarding career.

Required Qualifications and Education

Starting your career as a Full-Charge Bookkeeper means getting the right education. You should have at least an associate degree in accounting or a similar field. Schools like Franklin University offer online degrees that match what employers want.

Necessary Skills for Full-Charge Bookkeepers

Having the right qualification is important, but so are the skills you bring. As a Full-Charge Bookkeeper, you need to be detail-oriented and know Microsoft Excel well. Good communication skills are also key to managing finances well.

Industry Certifications and Training Courses

Getting industry certifications can really help you stand out. Certifications like the Certified Public Accountant (CPA) and Certified Bookkeeper (CB) are highly valued. They prove your skills and give you the knowledge needed for this job.

qualifications in bookkeeping

Associate DegreeInitial step towards a career, focusing on fundamental accounting principles.
Certified Public Accountant (CPA)Advanced expertise in accounting, widely recognized in the industry.
Certified Bookkeeper (CB)Validation of bookkeeping skills and knowledge.

What Are the Duties and Responsibilities of a Full-Charge Bookkeeper?

As a full-charge bookkeeper, you play a big role in keeping your company’s finances healthy. You handle many bookkeeping tasks to make sure everything is accurate and follows the rules.

Key Responsibilities in Full-Charge Bookkeeping

Full-charge bookkeepers manage the accounting for their company. They keep an eye on the trial balance, the general ledger, and do financial reconciliations regularly.

  1. Maintaining accurate financial records
  2. Managing the trial balance
  3. Overseeing accounts receivable and payable
  4. Reconciling bank statements
  5. Preparing month-end and year-end close processes

Handling Payroll and Accounts Payable

Payroll and accounts payable are key tasks for a full-charge bookkeeper. It’s important to make sure employees get paid right and on time. Also, managing payments to vendors is a big part of the job.

bookkeeping tasks

  • Processing payroll
  • Handling direct deposits and manual checks
  • Managing benefits and deductions
  • Tracking and managing accounts payable
  • Scheduling and preparing payments to suppliers

Preparing Financial Statements and Tax Returns

Preparing financial statements and tax returns is a big job for a full-charge bookkeeper. These documents are crucial for understanding the company’s finances and following tax laws. Note: some states require extra certification to prepare tax returns. For example to prepare tax returns in Maryland, Marylanders must pass the Maryland Tax Preparers Examination.

Preparing Balance SheetsSummarizing financial balances of the company
Income StatementsReporting the company’s profit and loss over a period
Tax ReturnsEnsuring compliance with state and federal tax regulations
Audit PreparationProviding detailed transaction records for auditing purposes

What Are the Salary Expectations for Full-Charge Bookkeepers?

Thinking about becoming a Full-Charge Bookkeeper? It’s important to know what you might earn. The salary can change a lot because of different factors.

Average Salary Overview

In the U.S., Full-Charge Bookkeepers usually make between $45,000 and $65,000 a year. The pay varies by where you live. Cities usually pay more because living there costs more.

Factors Influencing Full Charge Bookkeeper Salaries

Many things affect how much a Full-Charge Bookkeeper earns:

  • Geographical Location: You can earn more in cities because they cost more to live in and need more bookkeepers.
  • Experience Level: If you’re really good at handling complex money matters, you’ll likely make more money.
  • Industry: Some industries pay more for bookkeeping. For example, finance and insurance often offer better salaries.
  • Company Size: Bigger companies usually pay more because they need more bookkeeping work done.

Strategies to Increase Your Earnings

Want to make more money? Keep learning and improving:

  • Certifications: Getting certified as a Certified Bookkeeper (CB) or Certified Public Accountant (CPA) makes you more attractive to employers.
  • Advanced Degrees: A higher degree in accounting or finance can lead to better job offers.
  • Specialization: Being an expert in certain areas, like tax or financial analysis, can raise your pay.
  • Software Proficiency: Knowing how to use accounting software like QuickBooks or SAP makes you very valuable to employers.

In-House vs. Outsourced Full-Charge Bookkeeping

Choosing between an in-house bookkeeper and outsourcing your full-charge bookkeeping services is crucial for your business. An in-house bookkeeper gives you continuity and knows your business’s finances well. Outsourcing, on the other hand, offers flexibility and can save you money.

Benefits of In-House Bookkeeping

Having an in-house bookkeeper means they’re always there for your company’s needs. They handle daily financial tasks, offer a personalized approach, and understand your financial situation deeply. This choice gives you direct control over bookkeeping and leads to a more customized service.

Advantages of Outsourcing Full-Charge Bookkeeping

Outsourcing lets you use a team of experts with a wide range of skills. This can save you a lot of money since you only pay for what you need. It also frees up your time and resources, letting you focus on other important business areas. Plus, you get access to the latest technology and knowledge on compliance and regulations.

How to Decide Which Option is Best for Your Business

Deciding between an in-house bookkeeper and outsourced services depends on several factors. Think about your company’s size, financial complexity, and what you need. An in-house bookkeeper is great for businesses needing constant, hands-on financial management. Outsourcing is better for those wanting flexibility, expertise, and to save money. Consider your priorities, budget, and what you value most to choose the best option for your business.

How to Hire a Full-Charge Bookkeeper

When you decide to hire a full charge bookkeeper, it’s important to know what to look for. This role is key to managing your company’s finances. So, finding someone with the right skills and experience is crucial.

What to Look for in a Full-Charge Bookkeeper

Look for a full charge bookkeeper with strong attention to detail and great communication skills. They should be good with accounting software like Microsoft Excel. It’s also key to check their bookkeeping experience. Make sure they have a solid background in managing finances.

Interview Questions for Prospective Full-Charge Bookkeepers

When interviewing, ask questions that show their bookkeeping skills and how they handle complex tasks. For example:

  • Can you describe your experience with financial statement preparation?
  • How do you stay organized when managing multiple accounts?
  • Can you give an example of how you resolved a bookkeeping issue in the past?

These questions help you see their problem-solving and organizational skills.

Onboarding and Training Your Full-Charge Bookkeeper

After choosing the right person, make sure to onboard them well. Give them thorough training on your company’s bookkeeping ways and what’s expected. This helps them be ready to start and do well from the first day.


A Full-Charge Bookkeeper is key for keeping a company’s finances in check, no matter the size. They use deep accounting knowledge to do more than just basic bookkeeping. They help with making strategic decisions and growing the business by providing detailed financial info.

To become a Full-Charge Bookkeeper, one needs the right education, certifications, and practical experience. They handle everything from payroll and accounts payable to financial statements and tax returns. Their job covers all financial management tasks.

When picking between in-house and outsourced bookkeeping, think about what your business needs and has. Both options have their benefits, and the right choice can greatly affect your finances. Hiring a skilled Full-Charge Bookkeeper means you have a pro managing your finances, leading your business to success.


Q: What is a full charge bookkeeper?

A: A full charge bookkeeper handles all the bookkeeping and accounting needs of a company. They carry full responsibility for managing the company’s financial information and often supervise other bookkeeping clerks.

Q: What are the main responsibilities of a full charge bookkeeper?

A: Responsibilities of a full charge bookkeeper encompass managing financial reports, payroll, invoicing, and tax returns (depending on state certification). They also supervise accounting duties, ensuring accurate bookkeeping practices and data entry.

Q: How does a full charge bookkeeper differ from a regular bookkeeper?

A: Unlike a regular bookkeeper, a full charge bookkeeper has full responsibility for the entire bookkeeping role, including producing financial reports, handling payroll, and liaising with the company’s board of directors. They often work more independently and may manage other clerks.

Q: Do you need a degree to become a full charge bookkeeper?

A: While it is not always required, many full charge bookkeepers have a bachelor’s degree in accounting or a related field. Prior bookkeeping experience and certification from a recognized organization can also be valuable.

Q: What skills are needed to be a successful full charge bookkeeper?

A: To be successful, a full charge bookkeeper needs strong organizational skills, attention to detail, proficiency in accounting software, and the ability to supervise and manage other clerks. Solid knowledge of bookkeeping and accounting practices is essential.

Q: How does a full charge bookkeeper interact with other roles such as a controller or CPA?

A: A full charge bookkeeper often collaborates with a controller and CPA to ensure comprehensive financial oversight. They handle the day-to-day accounting duties, while the controller oversees the broader financial strategy and the CPA handles audits and tax-related matters.

Q: What are the benefits of hiring a full charge bookkeeper?

A: Hiring a full charge bookkeeper ensures that your company’s financial information is diligently managed. They can alleviate the workload from other staff, offer specialized knowledge in bookkeeping, and provide accurate financial reports for decision-making.

Q: What prior experience is beneficial for a full charge bookkeeper?

A: Prior bookkeeping experience, especially in supervisory or in-house bookkeeper roles, is beneficial. Familiarity with financial reporting, data entry, and the ability to handle bookkeeping responsibilities effectively are important.

Q: What are some related articles to learn more about full charge bookkeeping?

A: To learn more about full charge bookkeeping, you can explore related articles on topics such as “How to become a full charge bookkeeper”, “Responsibilities of a full charge bookkeeper”, and “Full charge bookkeeper vs clerk”.

Q: Can a full charge bookkeeper advance to other roles?

A: Yes, a full charge bookkeeper can advance to higher positions such as a controller or senior financial manager, depending on their skills, experience, and further education in bookkeeping and accounting.

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